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How is foreign currency exchange calculated when I use my TD Credit Card abroad?

TD Credit Cards and foreign currency exchange

For TD Credit Cards except TD U.S. Dollar Credit CardsWe will bill you in Canadian dollars for any transaction made on your Account in a foreign currency. We will convert that transaction by applying our foreign currency conversion rate in effect on the date that the transaction is posted to your Account, which is the rate established by VISA applicable on the date that the transaction is posted to your Account, plus a foreign currency conversion fee of 2.5%. For complete details, see your TD Canada Trust Credit Cardholder Agreement.

For TD U.S. Dollar Credit CardsWe will bill you in U.S. Dollars for any transaction made on your Account in a foreign currency (including Canadian Dollars). We will convert that transaction by applying our foreign currency conversion rate in effect on the date that the transaction is posted to your Account, which is the rate established by VISA applicable on the date that the transaction is posted to your Account, plus a foreign currency conversion fee of 2.5%. For complete details, see your TD Canada Trust U.S. Dollar Credit Cardholder Agreement.